Disability insurance

Disability insurance allows you to meet your financial commitments by providing replacement income if you have to stop working due to an accident or illness.

It also protects your business by providing access to the cash you need when you need it most. It can help cover operating expenses in the event of a disability (rent, heat, taxes, etc.).

• you don't have group insurance coverage
• you want to protect yourself, your company, your partners and your key employees against the financial impact of a disability

Features

• Pays a monthly benefit if you become disabled.
• The amount of the benefit corresponds to a percentage of your regular pay (salary, commissions, etc.).
• It can be combined with other coverages, such as:
  • term life insurance
  • permanent life insurance
  • universal life insurance
  • critical illness insurance
  • healthcare insurance

Products

Vision Disability – Income	Helps make up for the loss of income related to a disability.
Vision Disability – Business Expenses	Helps cover operating expenses in the event of a disability (rent, heat, taxes, etc.).
Vision Partner Buy-Out Coverage	Helps you get the cash you need to buy back your partner's shares in the event of disability or death.

	By e-mail	Fill out the form
	By phone	1-866-838-7661
	At the caisse	Make an appointment with a financial security advisor2 at a caisse.
	At a Desjardins Business Centre	Make an appointment with a financial security advisor at a Desjardins Business Centre.

These coverages are products of Desjardins Financial Security Life Assurance Company. In Ontario, they're distributed through Desjardins Financial Security Life Assurance Company, and in Quebec through Desjardins Financial Security, Financial Services Firm.

This webpage is for information purposes only. Only the policy and insurance application will be used to settle legal disputes. Some exclusions and restrictions apply.

1. "L'Assurance invalidité, talon d'Achille de la planification financière" [Disability insurance: the Achilles heel of financial planning], Les Affaires, March 2006.
2. Life and health insurance agent in Ontario. In Quebec, it refers to a financial security advisor employed by Desjardins Financial Security, Financial Services Firm and assigned to a Desjardins caisse.